

Start Earning with a Local Bank You Trust
Looking for the best CD rates in Iowa? FSB's offers secure, high-yield CDs with guaranteed returns, no fees,1 and flexible terms designed to help you reach your financial goals.
Best CD Terms and Rates from a Bank in Iowa
Boost your savings with competitive CD rates designed to fit your financial goals.
Current Short-Term CD Rates
3.90%29 Month CD |
3.75%217 Month CD |
3.50%222 Month CD |
Looking for more options? See all rates.
Benefits of Opening a CD in Cedar Rapids, Iowa
We Make Opening a CD in Iowa Easy
Fill out our online account form in just a few minutes to get started.
A banker will reach out to confirm details and answer any questions.
Make your deposit, lock in your rate, and start earning with your CD!
Beyond CDs: More Ways to Grow Your Money
Explore FSB's various high-yield investment options to help secure your financial future.

Roth IRA
Save for retirement with tax-free withdrawals without deductions.4
Key Benefits:
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Contribute W-2 earned income at any age
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No mandatory withdrawals at age 73
- Annual contribution limit: $7,000
- Extra $1,000 for those aged 50 and older
- Extra $1,000 for those aged 50 and older

Simple IRA
A cost-effective retirement plan for businesses to offer employees.
Key Benefits:
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Ideal for businesses with 100 or fewer employees
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Employers can match employee contributions
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Employers can make contributions on their employee's behalf
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Lower costs and less paperwork than a traditional 401(k)

SEP IRA
An easy retirement plan for the self-employed & small business owners.
Key Benefits:
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Simple and easy to set up
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Tax-deferred growth until funds are withdrawn4
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Flexible contributions—employers aren’t required to contribute every year

Lock in a competitive rate with an FSB Certificate of Deposit—$1,000 minimum deposit, flexible terms, and no fees.1